One employer. One major client. One platform that brings you business. When too much of your income depends on one source, losing it can disrupt your whole life.
Before you spend the next six months throwing spaghetti at the wall, trying to build something new or fix a business that isn’t earning enough, give us four weeks.
One hour together each week, plus exercises between sessions, to create your actual FU Money Plan™, so your work fits around the life you want.
You’ll leave with three calculated earnings targets, three income streams chosen to build over time, and a practical 12-month plan showing what to build first, what to test and what to stop spending time on.
You won’t be pressured to leave your job, pursue a particular business model or spend seven days a week online.
Tell us how you currently work and earn, what you want to change and where you feel stuck. We’ll review your application and contact you to discuss fit and upcoming dates. Applying doesn’t commit you to enrolling.
You have skills and experience. You want them to support a better way to work and earn.
- You want income outside your job. Consulting, fractional work, advisory or another business might appeal to you, but you haven’t worked out which model fits your life or what it would take to earn from it.
- You want to work towards leaving employment. You need to calculate what replacing your salary would require and decide what to build and test before making that move.
- You already work for yourself, but it isn’t working the way you want. You might be earning too little, working too much or depending heavily on one client. You want a plan for changing that.
Already have an idea or a business? Bring it. We’ll look at the income potential, the actual work involved and how it fits your time, responsibilities and priorities. You may decide to strengthen it, change it or pursue something else.
You don’t need previous sales experience. You do need to be willing to work through your numbers, question your assumptions and make decisions.
Each week, we’ll work through one part of your FU Money Plan™ together, using your actual numbers, skills and circumstances.
Week 1: Define your life + income targets
Calculate what you need to earn to cover the essentials, live comfortably and fund the life you’d love. Set your boundaries around working hours, responsibilities and priorities.
Your outcome: Three earnings targets and clear conditions for how you want to work.
Week 2: Choose your income streams
Assess your skills and assets, compare ways to earn and look at what each would actually require. Choose three income streams to build over time, with a clear starting point.
Your outcome: Your Income + Opportunity Map.
Week 3: Find your people + build demand
Identify who could pay for your skills, which problems you could help solve and how to reach those people. Decide which conversations will help you test your direction.
Your outcome: Your Visibility + Demand Plan.
Week 4: Build your 12-month plan
Choose what to build first, what to test and what to stop spending time on. Turn those decisions into priorities and dated actions for the next 12 months.
Your outcome: Your 12-Month FU Money Plan™.
You won’t need to launch three income streams in four weeks. You’ll decide which ones make sense for you, where to start and how to build them over time.
Four weeks. One group working session each week.
Join Krista for a live, 60-minute group working session each week. We’ll work through the weekly exercise together, discuss your decisions and make progress on your plan. No slides, presentations or lengthy lectures.
Make time for your own work between sessions.
Use the weekly workbook to work through your numbers, compare your options and turn your decisions into next steps. Bring your questions and anything you’re stuck on to the following session.
Miss a session? You can catch up.
You’ll have lifetime access to the replays. Watch the recording, complete the exercises and bring your questions the following week. If you miss the final session, post your questions in the cohort chat.
Make this your January ritual.
Your income needs, responsibilities and priorities will change. A plan that fits your life today may need adjusting next year.
Every January, revisit your answers, rerun your numbers and decide what to keep, change or build next. You’ll use the same process with another year of experience and a clearer picture of what’s working.
Your materials are yours to revisit. With an active Annual Pass, you can also return to the scheduled live program and work through your next plan with the group.
✓ Four live, 60-minute group working sessions led by Krista
Work through the weekly exercises together, discuss your decisions and bring your questions. Includes lifetime access to the replays.
✓ Four digital workbooks
Your Work & Income Target, Income + Opportunity Map, Visibility + Demand Plan, and 12-Month FU Money Plan™.
✓ A private cohort chat
Ask questions, share your progress and stay connected with the people working through the program alongside you. The cohort chat stays open with no end date, so you can keep asking questions after the four weeks. But the chat does not replace coaching.
✓ Lifetime access to your program materials
Return to your exercises, workbooks and recordings whenever your circumstances change. Make reviewing your plan an annual habit.
After Life, Work & Income by Design, take a few weeks to put your plan into action before starting another program.
If your plan points to a service business, the next step is Your Thriving Services Business. Not every plan leads there. Yours might point to your job, a product or something else, and your 12-month plan covers those next moves too.
I'm Krista Mollion, founder of FU Money Plan™️ and a former 6x CMO.
I co-owned, grew and exited an eight-figure agency. Since then, I've spent nine years working for myself, made six major pivots, tested 12 different income streams and coached hundreds of entrepreneurs.
I’ve earned through consulting, services, products, courses, communities and fractional work. Some paid well. Some went nowhere. Some quietly became another job I didn’t want.
That experience is why I created FU Money Plan™️. We’ll evaluate your options against your skills, income needs, available time and responsibilities, so you can decide what’s worth building and what could leave you just as dependent or overworked as before.
Do I need a business idea already?
No. Some people arrive with one idea, some with five, and some with only a feeling that their current setup can't last. We start with what your work needs to provide and look at your options from there. If you already have an idea or a business, bring it and we'll examine it together.
What if I already work for myself?
Most self-employed people I talk to say the same thing: "I know what I sell, I just need more buyers." When we look closer, the real problem is usually the offer itself. It's unclear, priced too low, too hard to deliver or keeps changing. More buyers won't fix that.
We'll look at how you earn now: where the money comes from, how much depends on one client or platform, and whether your offer can support the income and hours you want. You may decide to strengthen what you have, change it or add another source of income. Either way, you'll know what you're selling before you spend more time trying to sell it.
Can I do this while I’m employed?
Yes. There's one 60-minute live session a week, and the exercises are designed around the time you actually have. If you decide to test an idea, check your employment terms first for anything about outside work, conflicts of interest or ownership of your work. Reviewing your contract isn't part of the program.
Do I need a website, a company or an audience?
No. This program helps you choose your direction, so you don't need anything set up yet. We cover visibility in week three, so you'll see what being known could look like for the direction you choose. Business registration, tax setup and any requirements for trading where you live are yours to arrange and aren't covered in the program.
What if I can’t attend a live session?
Every session is recorded, and you'll have lifetime access to the replays and materials. The cohort chat stays open with no end date, so you can post questions any time.
What if I'm too busy I'm afraid not to be able to participate?
I ran an agency for 12 years while raising four kids, so I know how fast a calendar fills up. But if you can't find one hour a week for your own career, your work is controlling your time more than you are. That kind of schedule rarely holds. Sooner or later it shows up as burnout, and it starts costing you in your health and your private life too. This program is built to help you change that. In week one, we examine what your work needs to provide and how much time you can realistically give it. Plan for one 60-minute live session a week plus about 2 hours of exercises between sessions. Every session is recorded, so if a week goes sideways, you can catch up on the replay.
If your schedule truly has no room right now, tell us in your application. We'll talk honestly about whether this cohort or one-on-one coaching makes more sense.
What's the difference between the FU Money Plan™ programs?
Each program focuses on a different stage.
Life, Work, & Income by Design Calculate how much you need to earn at three levels: covering the essentials, living comfortably and funding the life you’d love. Explore different ways to earn, then choose three income streams to build over time that fit your available time, responsibilities and priorities. Design work around your ideal life.
Your Thriving Services Business Build or improve a service business around expertise you already have. Develop your offer, pricing, client pipeline and delivery boundaries based on the income needs and working hours you identified in Program 1.
Build Your Intellectual Property Build on the service business you developed in Program 2. Once you’ve sold and delivered your services to multiple paying clients, turn that experience into proprietary methods, frameworks, tools and products you own.
Take the intellectual property you developed in Program 3 and build repeatable marketing, sales and delivery systems around it. Use automation where it makes sense to grow revenue while reducing the hands-on work each sale requires.
Can I access the programs through the FU Money Plan Community?
Yes. You can apply for an individual program or purchase a community pass. If you pick the Annual Pass/12 months, it includes 365 day access to all four programs, community, challenges and trainings during your membership, plus two private sessions with Krista. Our Quarterly Pass/90 days includes community access and the programs, challenges and trainings that run during that period. Both renew until you cancel so you can stay as long as you need to.
We’ll review the calendar and discuss which option fits your goals before you enroll.
Explore community passes →
If I’ve already completed the program, why would I need an Annual Pass?
You’ll be making decisions with different numbers, circumstances and experience. You may have tested an income stream, gained clients, changed jobs or discovered that something pays well but takes too much of your time.
Returning gives you a structured opportunity to review what happened and plan your next year. You can revisit your materials independently, or join the scheduled live program again with an active Annual Pass.
The other FU Money Plan™ programs work the same way. You can return to improve your services, develop more intellectual property or strengthen how you market, sell and deliver. You don’t need to launch something new every year to benefit. Improving what already works can be the better decision.
What is FU Money?
FU Money means having enough income, runway, assets, reputation and options you control that no single job, client, business, platform or person gets to dictate what happens next.
Does the program include one-on-one coaching?
No. This is a group program. Private one-on-one sessions are not included in your enrollment.
Is FU Money Plan financial advice?
No. This is an educational business and career strategy program. I don’t provide financial, investment, tax or legal advice, and no specific income or business result is guaranteed.
The goal is a workable plan for the next 12 months, based on your actual life, experience, financial needs, and capacity.
If that’s what you need, I’d love to work through it with you.
Tell us how you currently work and earn, what you want to change and where you feel stuck. We'll review your application and contact you to discuss fit and upcoming dates. Applying doesn't commit you to enrolling.
We'll share upcoming dates, session times and pricing when we talk about fit.
Life, Work & Income by Design is an educational business and career strategy program in the FU Money Plan™ series, offered by Unignorable Brands LLC. It does not provide financial, investment, tax or legal advice. No specific income, career or business results are guaranteed. Results depend on your circumstances, decisions, execution and other factors.